Applications / Mortgage Analytics / Lenders / Utah / City 1st Mortgage Services, LC
Bountiful, UT · Independent non-bank lender · CFPB · 706 loans in 2025
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706
loans originated, 2025
1,114
applications, 2025
34
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
City 1st Mortgage Services, LC, a Utah home-purchase lender that leans heavily on government-backed loans, made half as many loans in 2025 as in 2024.
Its loans fell 49%, from 1,385 to 706. Similar lenders, independent non-banks making between half and twice as many loans, grew 2%, and the whole market grew 10%; almost none of them shrank as fast. The figures do not say whether it chose to pull back or lost business.
Loans insured by the Federal Housing Administration (FHA) made up 31.3% of its lending, against 21.3% at similar lenders. Loans guaranteed by the Department of Veterans Affairs (VA) made up 16.6%, against 5.7%, a higher share than at nine in ten of them. In 2020 its VA share was 5.8%. Purchases were 85.4% of its loans.
Though based in Utah, it lends in 34 states, and Texas is its largest. Houston is its largest market, where it ranked 249 of 929 lenders. It gained ground in Anchorage, rising from 0.1% to 0.3% of that market, while its share slipped in Virginia Beach and Phoenix, as a halving of volume would suggest.
Some 22.3% of its loans went to low- and moderate-income (LMI) neighborhoods, against 18.1% at similar lenders, a higher share than at about seven in ten of them. LMI borrowers took 28.3%, against 24.6%. Its weight in government-backed loans is one plausible reason.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. City 1st Mortgage Services, LC took 1,114 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 85.4% · Refinance 13.9% · Other 0.7%
Conventional 51.3% · FHA 31.3% · VA 16.6% · USDA (RHS or FSA) 0.8% · of 706 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 159 | 22.5% |
| South Carolina | 64 | 9.1% |
| Florida | 61 | 8.6% |
| Virginia | 51 | 7.2% |
| Missouri | 40 | 5.7% |
| Arizona | 34 | 4.8% |
| California | 32 | 4.5% |
| Georgia | 30 | 4.2% |
| Alaska | 22 | 3.1% |
| Ohio | 21 | 3.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 74 |
| Virginia Beach-Chesapeake-Norfolk | 46 |
| St. Louis | 34 |
| Phoenix-Mesa-Chandler | 30 |
| Myrtle Beach-Conway-North Myrtle Beach | 24 |
| Anchorage | 19 |
| Austin-Round Rock-San Marcos | 16 |
| Atlanta-Sandy Springs-Roswell | 14 |
| El Paso | 14 |
| Minneapolis-St. Paul-Bloomington | 14 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YPBBHUEKV1YC68 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3877360 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 71097500000 | 2000–2017 |
Established 3 December 1993. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: City 1st Mortgage Services, LC's data.
City 1st Mortgage Services, LC's data
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